We can provide finance for people who have had difficulties obtaining credit in the past,
if we can’t approve you, we don’t think anyone can!

No Deposit Car Finance

Refused Car Finance work with a wide range of lenders who offer various car finance options, so we can secure your personal car finance without the worry of saving for a deposit. 

Don't waste time by searching for a zero deposit car finance dealer and come straight to us. We'll find the right car loan for you based on your personal circumstances and have you driving away in your new car within a few days - all without a deposit!

Why choose Refused Car Finance?

wallet-1  We charge no customer fees

thumb-up-sign Highest approval rate in the North East - 98.4% acceptance rate

calendar-interface-symbol-tool Flexible payment options

sports-car-2 Buy your car from any FCA approved dealer

Get accepted today and drive away your new car within a few days!

Smiling woman in her new white car

Am I Eligible to Apply?

If you:

 checked-5 Have lived in the UK for at least 3 years

checked-5 Are over the age of 18

checked-5 Can prove you can afford a loan

checked-5 Are free from bankruptcy

Which type of no deposit car finance is right for me?

There are different types of car finance out there and our SAF (Specialist Automotive Finance) certified team are here to help you find the right car finance deal for you.

If you're looking for Hire PurchasePersonal Contract PurchaseConditional Sale, or a Personal Loan to finance your new or used car, look no further than Refused Car Finance.

You can choose a car from any independent dealership, provided they are FCA approved. With no deposit car finance, you don't need to worry about the hassle of finding a zero deposit dealer.

Fill out an application form to apply for car finance with no need for a deposit, and a member of our team will contact you back.

Can I get no deposit car finance with bad credit?

Refused Car Finance specialise in bad credit car finance and work with a large panel of lenders which enables us to provide car finance to a wide range of customers. If you have bad credit and would like to find out if you can secure no deposit car finance, we would need to assess your personal circumstances to see if an approval of this kind is possible. If you are interested, you can fill out an application form here and a member of our team will be in touch to discuss your application in more detail.


Registered with Information Commissioners Office ICO Registration Number: ZA132327

UK Car Finance Limited. Registered in England
Registered number 9397657.
Registered Office Henson House, Whitley Road, Benton, Newcastle Upon Tyne, NE12 9SR

Refused Car Finance and refusedcarfinance.com is a trading style of UK Car Finance Limited and is acting as a licensed credit broker and a lender, we are authorised and regulated by the Financial Conduct Authority, registration number 714966. All finance is subject to status and income. Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required.

Written quotations on request. Certain exclusions for NI residents.

Note: We cannot be held responsible for specification errors, and price errors, we use Motortrade software which is not always 100% accurate. Copyright 2017 Refused Car Finance.

Refused Car Finance can introduce you to a limited number of finance providers based on your credit rating and we may receive a commission for such introductions.

*Representative Example
Cash price – £8,500.00, Deposit – £0.00, Amount of credit – £8,500.00, Rate of interest – 16.24% per annum, Amount of interest – £6,912.00, Lender Documentation fee – £0.00, Lenders option to purchase fee – £10.00, Total charge for credit – £6922.00, First repayment – £256.70, Followed by 58 Monthly repayments of – £256.70, Final repayment – £266.70, Total amount payable – £15,412.00, Representative APR – 29.9%

*Last month, over 51% of Refused Car Finance customers that had their loan arranged were offered an APR of 29.9% or lower

In the first 3 months of this year, UK Car Finance Ltd received 2140 unique applications, of which we were able to offer 2136 applicants a line of credit, subject to the applicant being able to provide acceptable proof of affordability, being free from insolvency and or/a supporting guarantor fitting the lenders eligibility criteria, this represented 99.8% of applicants in this period.

Rated No.1 for car finance in the North East of England based off of Google Business Reviews.